13.1 “Cover notes” so-called have customarily been used for two distinct purposes. First, a cover note can provide temporary cover while underwriters consider a proposal for new insurance or the renewal of an existing policy. Such temporary cover notes are common in personal lines insurance such as motor or household. The cover provided by this mechanism is fully effective from the date of issue of the temporary cover note and is particularly convenient in connection with risks which are subject to compulsory insurance. Temporary cover notes of this type are rarely used in the London reinsurance markets because of the nature and complexity of the risks involved.